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The 15th Annual Conference on Bank Structure & Competition

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Since the early 1960s, the Federal Reserve Bank of Chicago’s Conference on Bank Structure and Competition has served as a forum for academics, regulators and industry participants to debate current issues affecting the financial services industry. Each year the purpose of the conference is to continue that tradition. This retrospective on the history and evolution of the conference reviews the past four decades of conferences.

 

The primary motivating factor for the conference was the passage of the 1960 Bank Merger Act and the U.S. versus Philadelphia National Bank Supreme Court decision. Suddenly, bank regulatory agencies were required to consider competitive factors in addition to banking factors when evaluating bank merger applications. Each of the Federal Reserve Banks was encouraged to survey the existing literature on bank structure and develop its own research agendas on these issues.

05/03/79
 
I. Topics in Bank Supervision
  • Identifying Problem Banks

Mark J. Flannery,  University of Pennsylvania

Jack M. Guttentag,  University of Pennsylvania

  • Federal and State Supervision of Bank Holding Companies: Some Proposals for Change

Bernard Shull ,  Hunter College of City University of New York

  • On the Cost of Double Supervision for Insured State Chartered Banks and the Implications for the Impact of Solutions to the Federal Reserve Membership Problem on the Dual Banking System

Randall J. Miller,  Federal Deposit Insurance Corporation

  • Comment on Miller and Shull

Robert Richard,  Conference of State Bank Supervisors

 
II. Panel Discussion of the Community Reinvestment Act
  • Comments on the Community Reinvestment Act

George J. Benston,  University of Rochester

  • The Community Reinvestment Act: Some Impressions

Gregory E. Boczar ,  Board of Governors of the Federal Reserve System

  • The Challenge of CRA

Calvin Bradford ,  Hubert Humphrey Institute at the University of Minnesota

  • The CRA: A Community Perspective

Gale Cincotta,  National People's Action

  • A Lawyer Looks at the Community Reinvestment Act

Richard B. Foster, Jr.,  Foster, Swift, Collins & Coey, P.C.

  • Potential Benefits for the Community Reinvestment Act

Harold C. Nathan,  Comptroller of the Currency

  • Community Reinvestment Act

B. B. Taylor, Jr.,  United Virginia Bankshares

 
III. Risk in Banking
  • Risk in Banking and Its Determinants: An Empirical Assessment

Richard W. Nelson,  Federal Reserve Bank of New York

  • New Evidence on the Accuracy of Bank Examiner Loan Criticisms: An Intertemporal Cross-Section Analysis

Hsui-Kwang Wu,  University of Alabama

  • The Eligibility of Commercial Banks to Underwrite All Municipal Revenue Issues and the Cost of Borrowing

G. O. Bierwag,  University of Oregon

Michael Hopewell,  University of Oregon

George G. Kaufman,  University of Oregon

 
IV. Panel Discussion on Pricing of Federal Reserve Services
  • Pricing of Federal Reserve Services—Introductory Remarks

Robert W. Eisenmenger,  Federal Reserve Bank of Boston

  • Alternative Frameworks for Analyzing the Pricing of Federal Reserve Services

James Brundy,  Board of Governors of the Federal Reserve System

  • The Pricing of Fed Services: Some Thoughts on the PACS Cost System and Its Use as a Basis for Pricing Services

Harry P. Guenther,  Georgetown University

  • The Pricing of Federal Reserve Services

Paul M. Horvitz,  University of Houston

  • Pricing of Federal Reserve Services

P. Michael Laub,  American Bankers Association

  • Pricing of Federal Reserve Services: Some Basic Que

Wayne B. Lewin,  Bank Administration Institute

 
V. Multi-Office Banking
  • The Effect of Branch Banking on Pricing, Profits and Efficiency of Unit Banks

Donald T. Savage ,  Board of Governors of the Federal Reserve System

Stephen A. Rhoades ,  Board of Governors of the Federal Reserve System

  • Concentration in Local Banking Markets: Efficiency or Collusion?

Roger E. Alcaly,  Federal Reserve Bank of New York

Samuel Taddesse,  Federal Reserve Bank of New York

Steven R. Weisbrod,  Federal Reserve Bank of New York

  • Chain Banking and Market Structure in Rural Banking Markets

James M. Harvey,  Federal Reserve Bank of Kansas City

  • Economic Necessity for Interstate Banking

Alan E. Grunewald ,  Michigan State University

  • Implications of the International Banking Act of 1978 for Competition in Banking

Neil J. Pinsky,  Federal Reserve Bank of Chicago

  • Proposed Regulation K for Edge Act Corporations and U.S. Banking Structure

Oscar R. Goodman,  Roosevelt University

 
VI. Research in Progress
  • Minority Bank Membership in the Federal Reserve System: An Analysis of De Novo Minority Banks, 1970–75

Milton Esbitt,  Rosary College

  • A General Equilibrium Model for Assessing the Impact of Financial Institution Structural Changes

John M. Finkelstein ,  Indiana University

Wayne Y. Lee ,  Indiana University

Young-Jin Kim,  Bowling Green State University

  • Microeconomics and Regulatory Implicatons of Holding Company and Affiliate Bank Relationships

Larry A. Frieder,  Florida A&M University

Vincent P. Apilado,  Arizona State University

  • Research at the FDIC

Gary G. Gilbert,  Federal Deposit Insurance Corporation

  • Compensating Balances, Lines of Credit and the Role of Interest Rate Ceilings on Deposits

Christopher James,  University of Oregon

  • The Bank Entry Process

Lionel Kalish,  California State University, Fullerton

Robert Michaels,  California State University, Fullerton

  • Some Implications of Interest Payment on Reserves for Monetary Control

Richard L. Peterson ,  Purdue University

  • Bank and Non-Bank Competition in Local Consumer Financial Markets

Richard L. Peterson,  Purdue University

David S. Kidwell,  Office of the Comptroller of the Currency

  • Research at the Office of the Comptroller of the Currency
  • Dominant Firms and Local Market Competition in Banking

Stephen A. Rhoades ,  Board of Governors of the Federal Reserve System

  • The Expense-Preference Hypothesis: An Empirical Test

Stephen A. Rhoades ,  Board of Governors of the Federal Reserve System

  • Geographic Diversification, Organizational Form and Risk in Bank-Affiliated Mortgage Companies

John T. Rose,  Board of Governors of the Federal Reserve System

Roger D. Rutz,  Board of Governors of the Federal Reserve System

  • The Financial Performance of Minority-Owned Business Firms: Perspectives for the Community Reinvestment Act

William L. Scott,  Board of Governors of the Federal Reserve System

Antonio Furino,  University of Texas at San Antonio

Eugene Rodriguez,  University of Texas at San Antonio

  • The Use of Multiple Discriminant Analysis in Analyzing Consumer Loan Applications

George M. Wagner,  Indiana University–Purdue University at Fort Wayne

Alan K. Reichert ,  Indiana University–Purdue University at Fort Wayne

Chien-Ching Cho,  Indiana University–Purdue University at Fort Wayne

 

A Brief History of the Conference


Since the early 1960s the Federal Reserve Bank of Chicago’s Conference on Bank Structure and Competition has served as a forum for academics, regulators and industry participants to debate current issues affecting the financial services industry. Each year the purpose of the conference is to continue that tradition. This retrospective on the history and evolution of the conference reviews the past four decades of conferences.

Event Information
Date
05/03/79 - 05/04/79
Location
The Fairmont Chicago Hotel
200 N Columbus Dr
Chicago, Illinois 60601